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this is just my opinion but i dislike HID headlights, the generally tend to be set up wrong and often blind me when i pass other cars with them on. if you think your cars headlights need to be mega bright then i think you need an eye test, when i used to ride my bike with a not very bright full beam i could see perfectly well, even on country roads at night. no need for hid's imo.

i'd say PS3, i much prefer it to the wii (which is why i traded that in) and i like the whole way it operates compared to the xbox. although to be fair the differences between the xbox and ps3 aren't that big and both are really good consoles, its just the newer slim line ps3s have big hard drives and the ability to play blu ray.

snow/winter tyres are the way forward as MarkyR mentions. I've recently got back from Austria and in most regions it is law to have these tyres on, they are mega grippy. the hire car we had took a fair bit of effort to spin the wheels and it was only a SEAT Leon FWD. My girlfriends dad took his audi 4X4 over there with winter tyres and it was pretty much impossible to get the wheels spinning in the conditions on the ski resorts. it did help that the roads are cleared much more efficiently than over here but you could still notice the difference. oh, and on the subject of snow chains, i saw a pillock in my village putting them on during that lightish snowfall before christmas. my fiesta was handling the roads fine and i can't think of any major routes with 10/15 miles that would possibly require them (and thats only if conditions are like the are now. or worse).

i don't mind driving in the snow too much, i guess thats probably because i had a couple of driving lessons in the snow and when i passed it snowed for a week or so, so most of the time it was quite slippy. i like to think that experience made me a better driver though. as mentioned though some other drivers scare the bejesus out of me, especially in my works carpark today!

for my second year driving i'm being offered quotes of £990 which seems mad for a mk4 fiesta. my girlfriend has a 1.6 seat ibiza and pays £600 or so for that, i think the best way to lower your insurance would be to castrate yourself.